The One Family One Enterprise (OFOE) Scheme 2025, launched by the Government of Kerala, aims to empower every household by encouraging the creation of at least one Micro, Small or Medium Enterprise (MSME) per family. With a special focus on women entrepreneurship, the scheme offers interest subvention of up to 6% on loans of up to ₹10 lakh, easing access to finance and promoting self-employment across the state.
Kerala OFOE Scheme 2025: Key Highlights
| Scheme Name | One Family One Enterprise (OFOE) |
| Launched By | Government of Kerala |
| Nodal Agency | Department of Industries, Kerala |
| Loan Limit | Up to ₹10 lakh (Term/Working Capital) |
| Interest Subvention | Max 6% subsidy for 5 years |
| Target Groups | MSMEs, Women Entrepreneurs |
| Start Date Cut-off | On or after April 1, 2022 |
| Official Website | industry.kerala.gov.in |
Benefits of the One Family One Enterprise Scheme
• Loan Support up to ₹10 Lakh – Includes both Term Loan and Working Capital Loan from eligible institutions.
• Interest Subvention of up to 6% – Ensures interest burden is reduced to as low as 4%.
• Coverage Period – Subsidy available for five years from the date of first disbursement.
• Women Empowerment – 50% of beneficiaries are reserved for women entrepreneurs.
• Applicable Institutions – Nationalized banks, KSIDC, KFC, KSFE, Kerala Bank, and more.
Eligibility Criteria
To apply under the OFOE scheme, the applicant must meet the following criteria:
• Must be a resident of Kerala and promote a new MSME unit.
• Businesses should be involved in manufacturing, trading, or service activities.
• Enterprise should have commenced operations on or after April 1, 2022.
• Must have valid Udyam Registration.
• The loan account should not be NPA at the time of application.
• Units assisted under the PMFME scheme are also eligible, provided the project involves expansion or diversification.
• Only the first ₹10 lakh of the loan is eligible for subsidy if the total loan amount exceeds that.
Application Process: How to Apply Online
Follow these steps to apply for the OFOE scheme;
-
Visit the Official Portal: Go to industry.kerala.gov.in.
-
Click on Online Services: Select the “One Family One Enterprise” option.
-
Register as a New User: Click “Registration” and fill in your details.
-
Log in to the Portal: Use your credentials to access the application dashboard.
-
Fill the Online Application Form: Enter enterprise details, loan info, and attach documents.
-
Submit Application: After reviewing, click “Submit” to complete the process.
Documents Required
Prepare and upload the following documents while applying:
• Photo ID proof of the promoter (Aadhaar, PAN, etc.)
• Udyam Registration Certificate
• Loan Sanction Letter from bank/financial institution
• Bank Statement showing disbursement and repayments
• Approved Project Report
• Partnership Deed / Registration Certificate (for non-proprietary units)
• PMFME Support Documents (if applicable)
• Land/Lease Deed (if applicable)
• Request for delay condonation (if applicable)
Direct Links
• 📥 Download Official Guidelines
• 📝 Register & Apply Now
• 🌐 Visit Official Website
Conclusion
The One Family One Enterprise Scheme 2025 is a transformative initiative designed to make entrepreneurship accessible, inclusive, and affordable for Kerala’s families. With a generous interest subsidy and special focus on women-led enterprises, it not only fuels economic self-reliance but also strengthens the MSME ecosystem across the state.
Aspiring entrepreneurs should leverage this opportunity and apply online to benefit from this state-sponsored support scheme.